How to Become a Human Resources Consultant

Human resources personnel offer advice on a wide range of issues. They are involved in workplace activity, policies, procedures and compliance to the law.

They recommend, reorganize, mediate and develop an effective HR model. They work as independents or through a consultancy firm. The individual should have higher education such as a Bachelors, Masters DBA, PHD.

The Job Description

What does a human resources consultant do? The person assists, develop, coordinate workflow and audit conduct. They offer strategic services, hiring, benefit packages and recruit. They prepare HR reports, implement, develop and revise policies.

The person conducts training sessions, offers recommendations and analysis the companies HR programs. They require IT training, sales finance and marketing skill and understand labor laws.

HR Work

•         The person assists

•         Coordinate workflow

•         Offer strategic services

•         Hiring

•         Benefit packages

•         Recruit

•         Prepare HR reports

•         Implement, develop and revise policies

•         Conducts training sessions

•         Offers recommendations

•         Analysis the companies HR programs

•         Require IT training

•         Sales finance

•         Marketing skill

•         Understand labor laws

Salaries and Remunerations

Companies pay top dollar for the services of a qualified human resources personnel. The pay package differs based in demography, experience and qualifications. According to various sources the pay in Nigeria averages $22,700.

The HR salaries in Atlanta, GA Area is $62,054/yr while additional cash compensation range from 1,069 – 19,587. Human resources salaries differ by company from Home Depot 40,000/yr  or 17/hr. Hospital 70,000/yr, Caters hourly intern 13 -15 hours, university 57,912/yr.

HR Salaries

•         HR in Nigeria averages $22,700

•         Atlanta, GA Area is $62,054/yr.-cash compensation1, 069 – 19,587

•         HR Home depot 40,000/yr, or 17/hr.

•         Hospital 70,000/yr.

•         Caters intern 13 -15 hours

•         University 57,912/yr.

How to Become a Human Resources Consultant

To become one you need to acquire the necessary certification and training. You need formal education and completion of a bachelor’s degree. To advance quickly in the competitive market you need a master’s of business administration in human resources.

Other related fields of study are marketing management, international business management and management information system. Take courses in leadership, strategic management, business ethics and organizational behavior. Make sure you get a professional certificate.

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Courses

•         Bachelor’s degree in HR

•         Masters of business administration in HR

•         Marketing management

•         International business management

•         Management information system

•         Leadership

•         Strategic management

•         Business ethics

•         Organizational behavior

•         Professional certificate

Personal Skill

The competence requirements include ability to improvise, good listener, practical and theoretical knowledge. Others are good interpersonal skill, self-confidence, trustworthiness, ability to conceptualize ideas and a hard worker. The person needs advanced business knowledge of the industry.

•         Ability to improvise

•         Good listener

•         Practical and theoretical knowledge

•         Interpersonal skill

•         Self-confidence

•         Trustworthiness

•         Ability to conceptualize ideas

•         Hard worker

•         Advanced business knowledge

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How to apply for government loan

It is easy to access information through an online database for various loans. The process of applying for a personal government loan is easy and straightforward.

You don’t need a third party simply go to the government website. Some provide microloans, help subsidies new businesses or operate small business incubators.

Steps

1. To effectively apply for the loan you need to research your cost and expenses. You need to state how you will use the loan and why you need the loan. It is important to have well-research figure.

2.  Develop a business plan that explains your business structure and ideas. The detailed account should specify how the money will be spent. It must show how the business will generate income and pay off the loan.

3. A business plan developed with small business association assistance will go a long way. Try to emphasize on the returns and potential for success.

4. There are different types of loans for rural business development, minority business and agriculture. You need to learn which loan best applies to your business.

Make sure you speak to an SBA official and obtain an SBA loan application. The loan should address your specific needs or circumstance.

5. To obtain information on government loans go directly to the government website. Avoid third party website that demand some fee because this information is free.

6. Once you have found what you are looking for choose the best agency from the list of government agencies offering loans. Focus on the one that represents your needs. Select the appropriate agency from the government loan homepage.

7. Before applying for the loan view the terms and conditions. Make sure you are eligible for the personal government loan. Read the terms carefully then make your selection. Focus on the loan that meets your eligibility or industry.

8. The next step is to prepare the attachments and supplementary form

9. You need to write a cover letter and executive summary with reasons for requesting the loan. Submit your business plan or business profile.

10. Did you know you can take advantage of non-profit organization mentorship program to review you application and get it proofread?

The next step is to apply to county incubators. Once properly prepared submit the application form. Each loan has a unique submission process for personal government loans.
10 Signs you are heading for bankruptcy

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10 Signs you are heading for Bankruptcy

When a court enters an order of relief when a bankruptcy charge is filed. It is very painful to sing for the facility but sometime it is inevitable.

The first sign is when your credit card balance is at its limit. Others include zero savings, inability to earn enough to pay down debt. More are when you forgo necessary items or take loans against you retirement account.

A bad sign is when you use your life insurance to stay current debt, are not credit worthy or you rob Peter to pay Paul. Another sure sign is when your account goes negative during the month, you are behind on home/vehicle payments and debt collector comes calling. . Here 10 signs you are heading for bankruptcy.

Signs of impending Bankruptcy

•         Credit card balance is at its limit

•         Zero savings

•         Inability to earn enough to pay down debt

•         When you forgo necessary items

•         Take loans against you retirement account.

•         When you use your life insurance to stay current debt

•         Not credit worthy

•         Rob Peter to pay Paul

•         When your account goes negative during the month

•         Behind on home/vehicle payments

•         Debt collector comes calling

1.Creditors Rage

A sure sign you are heading for bankruptcy is when creditors come calling, sue or send letters. This is a bad sign because it means you have defaulted far enough to be labeled bad debt.

The lenders send debt collectors in a vicious and persistent cycle to collect the loan. The creditors result to harassment, intimidation and levies. The final assault would end in court.

2. You are behind on home loans

You know you are heading for bankruptcy when you get behind on home loans. Home loans are lifetime investment and a place to live. Mortgage default is a serious indication of impending trouble.

3. You are behind on vehicle loan

Getting behind on vehicle loan is not that terrible except if it is commercial vehicle and your source of livelihood. The car becomes a priority and default has dire consequences.

4. Negative bank account

If your bank account goes negative during the month you are in trouble. Bouncing payments before next paycheck is bad.

This is a sure indicator of overspending, bad planning and bankruptcy. If the trend is not checked you are advancing towards total penury.

 5. Incessant Borrowing

I know an individual who makes good earnings yet is always broke. This is because of huge expenses spent on his large family and outstanding debts. The person borrows from one source and pays to the other.

Robbing Peter to pay Paul is a very bad strategy. The individual has serious cash flow problems. Taking from one creditor to cover some bills and paying another is very bad economics.

6. Creditors refuse to approve loans

You are heading for trouble when creditors see your debt and determine that the odds of paying back is remote.

If your overall debt load is high, creditor see you as a risk. This might occur despite balancing payment, you are refused loan approval.

7. Using life insurance and retirement account

Having a life insurance or retirement account is to facilitate a source of income in your old age. But if you find yourself taking out loans against insurance policy or retirement account to service a loan you are in trouble.

Large monthly payments are automatically deducted from your paycheck to service retirement account loans. Using this will provide added problems of large retirement account loan payments.

8. Foregoing necessary items

When you find yourself forgoing necessary items like toothpaste, soap, foodstuff you are in trouble. If you can’t maintain your vehicle or pay health insurance that is a bad sign.

Skipping basic necessities to keep up debt payments is a sure sign you are heading for bankruptcy.

9. Low earning

If you are unable to earn enough to keep up with your debts you are in trouble. If the minimum cost to maintain the balance on your credit card is lacking bad omen. Some people work two to three jobs or overtime yet the debt persists.

10. Poor saving culture

Saving is a good way to keep some money for the rainy day. You earn low interest and gradually increase the account.

If you have no way to save each month your finances is in trouble. A sure sign of bankruptcy is when your debt gobble up your earning leaving no room to save

how to jump-start a failing business

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How to Jump-start a Dying Business

Most startup business ventures fail in the first three to four years? Success or failure depends on many factors and signs that shows a failing business. Identifiable signs are stagnation, poor cash flow and mounting debts.

Cutting down expenses is only a temporary measure however more concrete sets should be taken. To turn around a dying business you need to implement certain steps. Here is a guide on steps to jump-start a dying business.

Sell a Different Product

The simple solution to jump-start a failing business might be the product. It is possible to overvalue a product or market potential.

It is easier to change the product to accommodate fast changing trends. Analyze the products that sell or appeals to customers. The value of the product is immaterial so long as you make regular sales.

Appropriate Pricing

A serious business killer is appropriate pricing of goods or service. Offering high quality merchandise at premium rate to middle or low class neighborhood will fail. They would rather buy cheaper products of the same item.

Customer Demand

Focus more on customer demand and moving to a completely different vertical. A business owner on my street started out selling bags and footwear. She added small snacks and biscuits to attract school children.

Then pivoted to selling hot meals for workers in the area. Now the bag/shoe and snack business are discarded for the huge profit in hot meals.
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Re-brand

A good strategy is to revamp and re-brand the business. Re-branding will inject new life to an old brand. Re-branding positions a business properly if a complete overhaul is executed.

A falling business can repackage the product, name and company logo. The main focus of any re-branding is marketing. How to present an old product in a new exciting way.

Niche

An effective business strategy is to focus on a niche. Focusing on a niche leads to specialization and domination.

If you have too many products it can get confusing and more challenging. It is better to be known for one thing than unknown for different products. Specializing equates to customer trust in your knowledge of the product.

Develop a Marketing Strategy

Create a marketing plan and develop a marketing strategy. You would be surprised that many companies fail to use all the marketing opportunities available to them.

A good marketing plan re-invigorate, re-invents and leverage on technology. Marketing strategies include newspapers, magazines, radio, and television.

We have social media marketing, paid posts, email marketing, blogging, in-bound marketing.
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Take Risks

Owning a business comes with some element of risk. Taking bold risk during time of crisis could be your best option. It is better to try new things than being conservative.

If you own a brick and mortar shop why not open an online store. If you are into manufacturing why not sell branded products on social media platforms.

Without risk there would be no gain. The difficulty of taking more risk in a failing business involves new addition of funds and marketing.

Sell the Business

If you have tried re-branding, pivoted new products without results then it is to sell. So long as the business is moderately profitable there is a buyers. Some entrepreneurs specialize in buying failed businesses and turning them around.
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How to Protect your Bank Card from Fraud

Scammers target potential victims when we are distracted. They use various means to get our card details. A common device used by scammers are skimmers, pin sized cameras and online forms.

To avoid becoming a victim keep your card details safe and trust your instincts. Ask questions when things look unusual or suspicious. Finally always stay within sight of your ATM card.

How to Avoid Card Fraud

•         Keep your card details safe

•         Trust your instincts

•         Ask questions

•         Always stay within sight of your ATM card

•         Cover your pin

•         Be care with online transactions

•         Pay directly to the company

•         Report suspicious automated teller machine

•         Don’t disclose card details over the phone

Cover your Pin

It is commonplace to find long queues in front of automated teller machines. This offers scammers a good chance to steal your card data. Capturing the data would provide easy access to your funds.

Tools of their trade include capturing devices such as cameras or card readers. They use it to capture you entering the secret 4 pin number on the keypad. The cameras are usually small and difficult to detect.

To prevent scammers from stealing the PIN shield the entire keypad with your body. You can also use a free hand to cover the hand you use to enter the pin. This is a simple yet effective strategy.

Online Transactions

Millions of online transactions are carried out daily. This is because people use the convenience of the internet to buy goods or pay for services. Before making an online transaction you need to verify the authenticity of the payment system.

All payment systems should have a secure verifiable checkout provider. If you are in doubt refrain from entering you details. Some scammers have perfected the art of duplication authentic payment system.

Simply carry out a scam check to find out about the website. A simple solution is to go directly to the payment systems website and login.

Paying to an Organization

Some organizations ask for card details over the phone. There is nothing wrong in that however scammers have perfected the act of mimicking such organizations.

If the organization contacts you and asks for your details refrain from giving it to them. A safe way is to find the organizations website and use the number on the website. Verify the claim before giving them the details.

Keep your Card Close

It is important to keep sight of your card. Many transactions are done in fast-food outlets, restaurants and hotels. The shop or restaurant attendant might pretend to run the card through a POS while actually taking your card and running it through a skimmer.

Some even skim your details behind a table or desk. Any transaction is easily carried out in plain view so the attendant has no right to carry your card out of sight.

A simple precaution is for the person to bring the POS to your table before you hand them the card.
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The Automated Teller Machine

The most common way to get scammed is while using an ATM machine. Some machines are fitted with skimmers to steal your details. They generally place the skimmers over the card reader to capture data on your card.

This is done when you place the card in the machine. The skimmers are then retrieved and used to create a dummy card which is used to access your account.

Skimmers are notoriously difficult to detect however careful scrutiny of the front of the card reader would detect tampering. Signs of tampering include different colored plastic around card slot, movable parts, marks or scratches. If you detect anything that looks out of place notify the bank.

Final Word

Check your Balance

It is important to check your account balance regularly. This is a way to detect any unusual activity in your account. Luckily there are many simple ways to check account balance.

You can use the banks dedicate usd number, online portal, SMS and other available options. If you detect any unusual activity quickly notify the bank.  

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How to Apply for Unsecured Business Loan

There are three types of loans secured, partial secured and unsecured. Secured loans require collateral, partial some security while unsecured without security.

Unsecured business loans need no collateral such as lines of credit or credit cards. Regular bank loans require extensive documentation while unsecured loans are more flexible.

They are much easier to get because they don’t require company or personal assets. The downside is that interest rates are higher than other forms of credit.

Considerations

The borrow needs to determine the type of loan they want. The loan could be partial, secured or unsecured. Other considerations are collateral, down payment and assets.
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Conventional Mortgage Loan

A conventional mortgage loan attracts higher down payment expected upfront. The loans equity builds rapidly because of higher down payment. Some lenders request down payment of 20 to 25%.

However private mortgage insurance is not mandatory in all cases. In the case of a company or individual not meeting the down payment then mortgage insurance is needed.

The lender will authenticate that the down payment is owned by the borrower. The source of the down payment must be money saved by the borrower.

Creditworthiness

Lenders are willing to negotiate terms and conditions of the loan. However there are standard guidelines to every loan. Some banks require a non-refundable fee and may include stiff penalties if not repaid on time.

The creditworthiness of the borrower is determined by the lender. The qualification, debt to income ratio and amount of money to meet obligation are also considered by the lender.

They also consider the amount of money needed to service the debt, monthly gross income earned by borrower. The downside is bankruptcy or in extreme cases home foreclosure.

Disadvantage of Conventional Mortgage

Low credit score borrowers face loan term fees and higher interest rates. The interest rate increases if closing cost of loan is included.

Conventional loans sometimes come with adjustable rate loans. This invariable cause’s fluctuation in monthly payments.

•         Loan term fees

•         Higher interest rates

•         Adjustable rate loans

•         Fluctuation in monthly payments

Unsecured Business Loans

Unsecured business loans does not require collateral. However the borrow must meet certain conditions such as income and credit rating.

How to Obtain Unsecured Business Loan

To obtain an unsecured loan the applicant needs to meet the banks representatives. They will determine your eligibility, creditworthiness. The main advantage of unsecured loans is the lack of collateral.

To apply put together bank account information and complete an application form. Provide contact information, social security number and bank information.

•         Meet the banks representatives

•         Put together bank account information

•         Complete an application form

•         Provide contact information

•         Social security number

•         Bank information

Disadvantages of Unsecured Business Loans

The main disadvantage is the high interest rate. This is because of the higher risk factor for lenders. Businesses tend to pay more over a period than secured loans.

The high interest also causes higher individual loan payments. It is harder to qualify for an unsecured loan than a secured one.

Like regular loans any default will affect your business credit rating. Although the loan is unsecured a lender might go to court for redress.

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Things to Know Before Starting a Logistic Company.

There are a few things to know before starting a logistics company. The core business is storage and delivery of products. The company may specialize in ground transportation, import/export.

It is important to put in place a good freight transportation system. The transportation could include road, air, train or bike. This is to conduct and articulate air freight, shipping or other means of delivery.

Logistic business requires proper planning, patience and persistence. This specialized field include huge inventory shipment, security, planning and time management.

They coordinate warehousing, shipping and delivery of customer’s merchandise. Here are important steps to starting a logistic company.

Funding

The service you wish to render will determine the type of investment in the business. A 3PL service requires more funds than a basic freight management or brokerage firm.

It is important to prepare an investment plan and identify the services you wish to offer. Ways to attract funds are through partnership or bank loans. The type of licensing and permit depends on the countries laws that guide the business.
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Licensing

The type of licensing to run a logistic service vary by country or state. General licensing includes filling a tax form, business permit.

You need a business name, operational location and tax identification number. Register the business as a limited liability company. It is important to get a good insurance cover for the business.

Study the Competition

The logistic business is very competitive and there are many players. You need to study the competition and develops an effective business structure.

Develop a Business Plan

It is beneficial to develop a business plan. The plan is ideal for proper analysis of present and future goals of the company. The plan could be used to secure loans and open a line of credit to pay partners.

Open an Office

It is important to have a brick and mortar office. The office will coordinate the movement of packages. Other benefits include customer confidence, an address, warehousing for short time storage.

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How to Hire the Right Team Member

Hiring the right team member will improve profitability and growth of a company. Growth is linked to effective productivity and proper time management.

There are critical elements to look out for without compromising cooperate policy and growth. Concise decisions are central to properly analyzing the team member to get the best person for the position.

The Hiring Manger and Management Team

The company looking to hire needs impute of top managerial staff and a hiring manger in the employment process. A general rule is to hire highly qualified personnel that fit into the required job.

The hiring manager should have certain traits to spot talent and follow the company’s guidelines. The hiring manager should exhibit confidence, good risk assessment and fast decision making.

The company should have a well-structured recruitment process and the team can be involved in the interview.
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Traits of a Hire Manage

•         Ability to spot talent

•         Follow guidelines

•         Conduct background checks

•         Exhibit confidence

•         Good risk assessment skills

•         Fast decision maker

•         Follow well-structured recruitment process

Company Structure

Every company needs a structured recruitment process in place. The process should be flexible enough to accommodate current trends.

A typical structure includes interview process, post-interview and other criteria. There should be team flexibility and accelerated process to complete an interview loop in record time.

Making Quick Decisions

It is important for companies to make quick decisions based on candidates they see. Speed is of the essence to avoid losing a potential team player to the competition. Most candidates attend different interviews within a certain time period.

For effective management of speed the company needs a centralized process. This will enable faster decision making and putting offer letter in qualified candidates hand in a matter of a week.

The company can prepare an offer letter and rescind pending background checks. This condition should be stated clearly for the candidate to know the situation.

Quick decisions and speed are essential if the company wants to hire qualified candidates.
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Making the Offer

The goal of recruitment is to achieve customer success. The team member should be hired on their ability to achieve customer success. This involves serving the customer better for growth of the company.

The hire manger should be empower to hire a person on the spot. However the proper procedure follow the C-suite process that takes longer. It is important to finish the interview loop and present an offer letter within one week. This is pending background checks on the candidate.

Recruit Regularly

Companies that go to long before hiring new staff are missing out on new trends. Hiring is very important if you want to discover new talent. It is imperative to never stop searching for team players with talent to inject new strategies into the company.

Bad Hire

Despite checks and balances a company might make a bad hire. This is inevitable however instituting processes to resolve the situation quickly is the way to go.

A bad hire might be unprofessional, arrogant and interested only in money. To resolve the situation the company should make quick decisions concerning the individual.

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How Does Fixed Deposits Work

Fixed deposits are considered one of the safest investment portfolios offered by banks. They pay higher than money market or savings account without the attendant risks. To invest in such a secure portfolio the company or individual will have to deposit the money for an agreed duration.

The banks are able to pay high premium because they have time specific access to the funds and are able to use them unhindered. It is possible to get the funds un-locked early however this will attract sever penalties and charges.

How Does Fixed Deposits Work

Fixed deposit are time based deposits that attract higher interest than regular saving deposits. In return for higher interests the depositor locks the funds in the bank for a specified period agreed by both parties. The party promises to keep the funds in the bank for a specified period. Fixed deposit tenors usually run from six months, eighteen months, one year, two years or five years. The longer the duration the higher the interest rate it attracts.

•         Time based

•         Attract higher interest

•         Funds are locked

Why Consider Fixed Deposit

The main reason to consider fixed deposits is higher rates. The bank agrees to pay higher rates due to the company or individuals promise to keep the funds for a specified period.

As stated earlier the interest is higher than regular saving deposit accounts. Another advantage is higher annual percentage yield on the funds deposited. Banks can offer this higher rates because they use the funds long term in other investments or long term loans.

•         Higher interest rates

•         Higher annual percentage yield
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Term Option

Fixed deposits attract term options on how long the funds are kept. The depositor cannot withdraw the funds on short notice and is encourage to run the full term.

The time period the funds are kept is referred to as term. Common term are six months, twelve months, eighteen months and sixty months.

Long Term

The longer the term the better prospects for interest. Longer terms generally attract higher interest than shorter term. Although longer term are not entirely better the terms and conditions should be properly understood.

Maturity Date

All fixed deposits have a maturity date when the investment is credited to the investor. At the end of the fixed deposit term the deposit is said to mature. The bank notifies the depositor as the fixed deposit term is about to expire.

The bank provides several options for the depositor. The depositor could consider the options or opt out of the fixed deposit. If the investor decides to do nothing the bank will automatically re-invest the said amount in another term similar to initial term.

If the fixed deposit was for one year the bank will re-activate another one year term on the deposit. The problem with this is the amount of interest may vary from previous agreement.

The interest could mark-up or down based on the banks portfolio. There is no guarantee that the same rate offered by the bank stands. It is important to let your bank know your intentions before the term ends.
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Things to Consider at End of Fixed Deposit

The fixed deposit owner has a few options at end of term. The company or individual could re-invest in another fixed deposit or withdraw the money into a savings account. They can consider a shorter or longer term or re-invest.

•         Re-invest funds

•         Withdraw

•         Consider shorter deposits

How to use Fixed Deposit

To use a fixed deposit the person needs to first contact the bank. There are two options online banks or brick and mortar banks.

You need to call their customer service or visit the bank branch. Make sure you conduct due diligence and investigate the bank before depositing your money.

Things to Ask

Ask the bank about different types of fixed deposit. Find out about early withdrawals, penalties and alternative fixed deposit products. Find the one that fits your needs with more features and flexibility.

•         Different types of fixed deposits

•         Penalty on early withdrawal

•         Alternative fixed deposits

•         flexibility

Strategies of using Fixed Deposits

Long term fixed deposits seem more attractive because of high interest rate. However they attract huge penalties if the deposit does not run the full term. Make sure you determine the right fixed deposit before investing.

Long term fixed deposit locks your funds for extended periods without access to the depositor. If you are ready to lock your funds for such extended period then long term is your best bet.

Sometimes an individual could buy a fixed deposit when the interest are low and is stock with low paying fixed deposit. A good strategy is to use short term deposits and re-invest when interest rates increase. It is important to use fixed deposits that offer flexibility.

Another technique is the ladder system to increase and optimize fixed deposit. An investor could take different fixed deposits with different terms to guarantee regular money at internals.

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How State Spend on Investment Promotion

The governor of a state should disclose plans by his administration to invest a specified amount in investment promotion. This is done as a way to encourage foreign investors to the state or county.
The head of government such as a governor could present a budget proposal to the house of assembly for consideration. The main aim of the investment proposal is to enhance efforts to boost the economy of the state.
This should be in line with the sates effort at expanding the economic base, based on the proposed amount they intend spending on investment promotion. The hope is to drive positive investment initiatives to the state.
The state should provide guarantee from investment in the private sector willing to do business in the state. The state should match funding for projects and provide a conducive environment for investors.
The state can focus on big ticket projects such as modular refinery, parks and economic enhancement projects. This will guarantee foreign companies investing in the state.
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State Investment Promotion Initiatives

• State should disclose plans by his administration to invest a specified amount in investment promotion
• A way to encourage foreign investors to the state or county.
• Present a budget proposal to the house of assembly for consideration
• Investment proposal is to boost the economy of the state.
• States effort at expanding the economic base
• Drive positive investment initiatives to the state.
• The state should provide guarantee from investment in the private sector
• The state should match funding for projects
• Provide a conducive environment for investors
• The state can focus on big ticket projects
• Guarantee foreign companies investing in the state

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